L&T Finance Ltd Share Price Target From 2025 to 2030

L&T Finance Ltd, a subsidiary of Larsen & Toubro Group, is one of India’s leading non-banking financial companies (NBFCs), known for offering a wide range of retail finance and rural lending services. With strong brand equity, diversified lending products, and strategic digital initiatives, the company has been steadily gaining investor confidence.

In this article, we will explore L&T Finance’s share price target from 2025 to 2030, along with key business insights and investment advice.

L&T Finance Share Price Today (As of July 2025)

About L&T Finance Ltd

L&T Finance Ltd is a key player in the Indian financial services space, offering diversified lending solutions including retail finance, micro-loans, two-wheeler finance, farm equipment loans, and infrastructure finance. With robust governance, digital transformation, and a strong parentage from Larsen & Toubro, the company is positioned to scale operations and profitability in the coming years.

Key Highlights:

• Backed by strong promoter group – Larsen & Toubro

• Significant rural and semi-urban presence

• Digitally enabled loan origination and recovery systems

• Strong risk management practices

• Improving asset quality and NIM (Net Interest Margin)

L&T Finance Shareholding Pattern (June 2025)

This pattern highlights the trust placed in the stock by promoters and institutional investors alike, indicating strong fundamentals and long-term potential.

L&T Finance Share Price Target 2025 to 2030

These projections are based on the company's earnings trajectory, improving return ratios, favorable interest rate cycles, and growing retail finance demand in India.

Year-Wise Analysis & Investment Advice

✅ L&T Finance Share Price Target 2025: ₹205 – ₹220

The company is expected to remain steady in 2025, continuing to strengthen its digital infrastructure and collection efficiency.

Why?

• Recovery in rural loan demand

• Stable interest rate environment

• Consistent disbursements and lower NPAs

Investment Advice: Suitable for SIP investors looking for steady mid-cap NBFC growth. Good for accumulation on dips.

✅ L&T Finance Share Price Target 2026: ₹230 – ₹250

L&T Finance could experience accelerated earnings growth, with better margins and high retail loan disbursement.

Why?

• Growing footprint in rural India

• Margin expansion through low-cost borrowing

• Diversified loan book reduces risk

Investment Advice: Hold for long-term. Investors can increase allocation as fundamentals improve.

✅ L&T Finance Share Price Target 2027: ₹260 – ₹280

By 2027, digital lending and better borrower targeting can enhance customer experience and boost profits.

Why?

• AI-driven customer profiling and credit scoring

• Improved cost-to-income ratio

• Higher demand in Tier II/III markets

Investment Advice: Reinforce holdings. Long-term investors should continue monitoring financial results and sector reforms.

✅ L&T Finance Share Price Target 2028: ₹290 – ₹310

Expansion into underserved sectors and partnerships with fintech companies may fuel strong upward momentum.

Why?

• Strategic alliances and co-lending models

• High loan growth in personal finance and MSME segment

• Increasing rural consumption post-policy reforms

Investment Advice: High potential for capital appreciation. Suitable for medium- to long-term portfolios.

✅ L&T Finance Share Price Target 2029: ₹315 – ₹340

The company may achieve significant growth from stable economic indicators and higher financial inclusion.

Why?

• Macroeconomic growth boosts demand for credit

• Efficient recovery mechanisms post-NPA clean-up

• Market leadership in two-wheeler and farm finance

Investment Advice: Continue to hold; favorable returns expected over 3-5 years.

✅ L&T Finance Share Price Target 2030: ₹345 – ₹370

By 2030, L&T Finance could be among the top NBFCs by market cap due to scale, brand, and strong earnings growth.

Why?

• Dominance in the rural and semi-urban finance sector

• High ROE and ROA from digitization

• Attractive dividend yield with stable payout

Investment Advice: Consider as a long-term wealth creation stock in core financial portfolio.

Should You Invest in L&T Finance for the Long Term?

Yes. L&T Finance presents a solid investment opportunity for long-term investors seeking exposure to India’s retail lending boom. With its operational strength, parent support from L&T, and growing digital ecosystem, the stock is well-positioned for sustainable returns.

Key Reasons to Invest:

• Backing of the L&T brand

• Digitally enabled lending model

• Strong promoter holding (66%+)

• Stable dividend yield and book value growth

⚠️ Risks to Consider:

• Interest rate fluctuations

• Regulatory changes in NBFC space

• Higher default risk in rural lending

• Liquidity challenges during economic downturns

Tip: Always diversify and consult a SEBI-registered advisor before investing.

Conclusion

L&T Finance Ltd is a promising financial services company with a clear growth roadmap from 2025 to 2030. Its focus on digital expansion, strong rural presence, and financial discipline makes it an attractive pick for long-term investors. With a share price currently near its all-time high of ₹214.80 and a robust market cap of ₹53,198 Cr, the company is well on track to achieve its future targets.

Investors should track quarterly earnings, policy announcements, and rural demand trends while making decisions. Based on expert projections, the stock may touch ₹370 by 2030, making it a potential compounder in the mid-cap NBFC space.

Frequently Asked Questions (FAQs) about L&T Finance

1. What is the share price target of L&T Finance for 2025?
   It is projected to be between ₹205 and ₹220.

2. Is L&T Finance a good stock for long-term investment?
   Yes, due to strong fundamentals and growth prospects.

3. Who are the promoters of L&T Finance?
   Larsen & Toubro Ltd holds a majority stake of 66.16%.

4. What is L&T Finance’s dividend yield?
   As of July 2025, it is 1.29%.

5. Is L&T Finance stock risky?
   Like all NBFCs, it carries credit and interest rate risks. Risk management is crucial.

Disclaimer: This article is for educational purposes only. Always consult a certified financial advisor before making investment decisions.